Key Differences
Embrace’s minimum enrollment age is 6 weeks old. Healthy Paws requires your pet to be 8 weeks old to enroll.
Healthy Paws has a fixed annual limit. Embrace’s annual limit annual limit is configurable.
Embrace offers an optional preventative coverage add-on, Healthy Paws does not.
Pet Insurance Coverage Comparison
Here’s a more detailed look into the pet insurance plans Embrace and Healthy Paws offer.
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 |
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|---|---|---|
Price: |
Get a Quote | Get a Quote |
Overall Rating: |
|
|
Total Reviews: |
60,128 |
4,991 |
Deductible: |
$100 to $1,000 |
$100, $250, $500, $750, or $1,000* |
Reimbursement: |
70%, 80%, or 90% |
50%, 60%, 70%, 80%, or 90%* |
Annual Limit: |
$2,000 to Unlimited |
Unlimited |
Company Profile: |
View Profile | View Profile |
Accident Waiting Period: |
0 days |
Varies by state (0 days or 15 days)** |
Illness Waiting Period: |
14 days |
15 days** |
Wellness Waiting Period: |
0 days |
Not available |
Orthopedic Waiting Period: |
Varies by state |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
Accidents: |
Included |
Included |
Illnesses: |
Included |
Included |
Wellness: |
Optional |
Excluded |
Dental Coverage: |
Included |
Limited Coverage |
Exam Fee Coverage: |
Available |
No |
Direct Vet Pay: |
Available |
Yes, with prior approval |
Claims Expiration: |
Within 60 days of renewal to the next term |
Within any time of the coverage period of your policy |
Claims Submission App: |
Yes |
Yes |
Embrace Accident and Illness Coverage
Embrace offers accident and illness coverage for dogs and cats. You can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, $500, $750, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,000, $5,000, $10,000, $15,000, $30,000 or Unlimited Annual Limit
What's Covered
Accidents
Breed-specific conditions
Congenital conditions
Chronic conditions
Dental illnesses
Diagnostics
Emergency care
Genetic conditions
Hospitalization
Illnesses
Orthopedic conditions
Prescription medication
Specialist care
Surgery
X-rays
Optional Wellness Rewards
Embrace also offers a non-insurance, optional add-on benefit called Wellness Rewards. Pet parents are reimbursed 100% up to the selected annual allowance. There are three annual allowances: $300, $500, and $700. You can use this wellness allowance for any of the eligible items, including:
Routine exams and vaccinations
Flea, tick, and heartworm medications
Preventative surgery, such as spaying, neutering, and gastropexy
Prescription diet food
Grooming and training
Healthy Paws Accident and Illness Coverage
Healthy Paws, backed by Chubb, offers accident and illness coverage for dogs and cats in one easy-to-understand pet insurance policy. You can configure your reimbursement rate and deductible to fit your needs. There are no maximum annual or lifetime payouts. Healthy Paws does not cover routine, preventative, or wellness coverage in this policy or offer it as an add-on.
Deductible Options*
$100, $250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70%, 80%, or 90%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
Pet Insurance Claims Comparison
The claims process can vary across pet insurance companies. Here’s a look at how claims work for Embrace and Healthy Paws.
Embrace Claims Details
You can use Embrace’s website or app to submit your claims directly. Alternatively, you can also fax, mail, or email your claim form with the invoice(s) within 60 days of renewal to the next term.
Direct deposit option for receiving reimbursements
Trackable claim status using the app
Claims are processed in 10-15 business days
View an Embrace Pet Insurance sample policy.
Healthy Paws Claims Details
With Healthy Paws, you can use any licensed veterinarian in the U.S. or Canada and submit your claims directly to their mobile app. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) at any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Most claims are processed within 2 days
Offers direct vet pay on a claim-by-claim basis with prior approval
Our Embrace vs. Healthy Paws Review
Embrace and Healthy Paws offer comprehensive coverage for accidents, illnesses, and various health issues like cancer and breed-specific conditions. Embrace offers an optional wellness coverage add-on, but Healthy Paws does not. You can configure plans based on your pet's needs and budget with Embrace and Healthy Paws. But there are some differences in customization to note, like the deductible and annual limit. Overall, both insurers offer competitive rates. The best way to understand which company has the best plan for your pet is by comparing quotes from both companies.
